Safe & Sound » Bank Ratings » BAILEYVILLE STATE BANK


SAFE & SOUND® STAR RATINGS

BAILEYVILLE STATE BANK

611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$40,250$41,406$40,184
Loans Receivable, Net23,41423,53721,630
Mortgage-Backed Securities5,0225,4355,001
Investments10,15010,60011,492
Deposits35,06934,39332,439
Borrowings1,2263,1524,488
Equity3,7523,6913,194
Net Interest Income2951,2391,152
Fee Income135656
Overhead2611,1021,045
Net Operating Income50291150
Net Income45231144
Ratio Analysis Profitability%%%
Return on Assets *0.590.570.37
Operating Return on Assets *0.750.720.39
Return on Equity *6.626.524.29
Net Interest Margin *3.193.173.09
Fee Income / Assets *0.130.140.14
Overhead / Assets *2.712.732.69
Efficiency Ratio84.1980.7985.87
Asset Quality%%%
Nonperforming Assets / Assets0.340.201.09
Nonperforming Assets / Equity & Loss Reserves3.412.1112.81
Loss Reserves / Nonperforming Loans263.04627.50383.05
1-4 Fam Mtg + MBS / Assets27.4927.8525.65
Commercial Real Estate Loans / Assets2.672.152.00
Construction Loans / Assets1.311.294.35
Commercial & Industrial Loans / Assets9.208.8910.03
Consumer Loans / Assets2.452.202.15
Capitalization%%%
Equity / Assets9.328.917.95
Tangible Capital / Tangible Assets9.328.917.95
Risk-based Capital Ratio16.6516.1115.16
Liquidity%%%
Loans / Deposits66.7768.4466.68
Non-Interest Bearing Deposits / Deposits11.7712.1012.34
Purchased Liabilities3.858.5112.42

* Calculations are based on the latest four quarters of income and expense.
Modify Search

Connect with us